经济衰退时期怎样安然度过

Economic recessions are real. Job loss, foreclosures and a weak dollar can make life during a recession difficult. Don't let yourself sink below. Here's how to survive and stay afloat.

经济衰退已经切实地发生了。失业，财产没收和美元疲软都会导致经济萧条期生活困难。不要让自己在经济衰退的大潮中沉没，以下是帮助你安然度过，勇往直前的一些建议。

Step 1: Secure Your Job

1.保住工作

Strengthen your connection to your company. Let your boss know you can be counted on during hard times. Better yet, work your way toward a recession-proof job. Education and health services are well isolated from recession woes. If you're working as a teacher or in the health business, you shouldn't have to worry about losing your job.

增强自己和公司的联系。让老板知道在困难时期可以依靠你。更好的是，在经济衰退期可以保住工作。教育和健康服务都不受经济衰退影响。如果你从事教育或健康行业，你不必担心失业。

Step 2: Secure Your Finances

 2.保障财政

In a recession, you want to have your money in the safest possible investment, cash. Money-market mutual funds are best. If you do own stock and some of it tanks, don't sell in a panic. Traditionally, stock markets go through a "V" shape. The first stroke of the V is a loss of value, sometimes 10%. The second stroke of the V is the recovery. Keep your eye on the long run,because you very well can get it all back in 1 year.

在经济衰退期，你要把自己的钱财投资在最安全的地方。货币市场的共同基金是最好的。如果你持有一些股票，不要匆忙抛售。传统来讲，股票都是“V”型走势。股票最初会下跌大约10%，然后复苏。眼光放远一点，因为一年之内你就可以挽回损失。

Step 3: Secure Your Home

3.保护房子

Even if you or your spouse lose your job, hang on to your house. Ask your lender about forbearance, which postpones a loan payment. Refinancing will lower a mortgage interest rate. A repayment plan will adjusts the amount due and time frame. Bottom line: recession is temporary. Make the right choices, and you'll survive.

即使你和配偶都失业了，一定要保住房子。向放款人要求延长偿还贷款时间。再融资会降低抵押利率。偿还计划会根据金额和时间做出调整。底线就是：经济衰退只是暂时的。做出正确的选择，你一定能够安全度过。

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